BlastPoint's Banking Scorecard
Montgomery Bank
Designations: ✓ Community bank
Sikeston, MO
12 branches across MO
Montgomery Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.73% above tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 40.3% in tier
- - Efficiency Ratio 5.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+2.9% YoY
+1.8% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$968.7M
+0.5% YoY
-4.3% QoQ
|
-$996.1M |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$1.1B
+2.4% YoY
+4.2% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.60%
+14.7% YoY
+8.0% QoQ
|
+0.23% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.55%
+4.7% YoY
-1.2% QoQ
|
+0.73% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 10.7% in tier |
| Efficiency Ratio ? |
66.33%
-4.8% YoY
-0.5% QoQ
|
+5.27% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
30% |
| Delinquency Rate ? |
0.33%
-16.7% YoY
-4.6% QoQ
|
-0.56% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
89.71%
-1.8% YoY
-8.2% QoQ
|
+5.50% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
20.87%
-8.6% YoY
-8.3% QoQ
|
-0.41% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.27%
-17.6% YoY
-9.1% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.53%
+8.6% YoY
+6.6% QoQ
|
-3.63% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.15%
-6.7% YoY
-74.6% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
56% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.